Date Received: 2017-10-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: When I went to purchase a used car at XXXX XXXX in XXXX, New York, without consent they ran XXXX hard inquiries on my credit, effectively lowering by XXXX points. The banks that show hard inquiries on my report are XXXX, XXXX XXXX, XXXX XXXX and XXXX others. This happened in XXXX XXXX. I contacted the banks and they refused to remove the inquiries.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2017-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX XXXX XXXX XXXX CFO XXXX XXXX. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. XXXX XXXX XXXX XXXX continued to send collection notices for this debt that they would not validate under the THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX XXXX XXXX XXXX XXXX accepted a permanent loan modification fully satisfying the alleged debt. Money Order # XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract are clear according to XX/XX/XXXX Maryland Code COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. XXXX XXXX XXXX XXXX is now threatening foreclosure by way of the UNITED STATED POST OFFICE.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2017-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have the Home Equity Line of credit with Citizens Bank since XXXX XXXX. It 's an adjustable rate based on Federal prime rate. Initial rate is 3.09 % APR. I paid regularly and never late for my payments. I borrowed {$110000.00} initially but increase to {$160000.00} in XXXX XXXX to cover my boys student loans.. And now my balance is down to about {$130000.00}. This year they increased my APR 3 times- XXXX XXXX to 3,10 %, XXXX to 3.35 %, XXXX XXXX to 3.6 % .When I call consumer finance department of the bank - representative, XXXX XXXX replied that the rate increase is based on XXXX XXXX XXXX rate .
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have had an auto loan with Citizens Auto Finance since XX/XX/XXXX. On each month, my payment is due on the XX/XX/XXXX, in the amount of {$260.00}. In XX/XX/XXXX, I missed a payment and was charged a late fee, while the past due amount was added to my payment for XX/XX/XXXX. In the subsequent months ( XX/XX/XXXX - XX/XX/XXXX ), I made sufficient payment to cover the past due balance, and the initial late fee that was incurred. As I continued to make additional payment above my principal payment, Citizens continually misapplied my additional monies. Rather than satisfying my past due balance and late fees, the additional monies were applied to my principal balance. As such, my past due balance and late fees continued to compound, through XX/XX/XXXX. In XX/XX/XXXX, I contacted Citizens on three separate occasions to have the payments properly applied, to satisfy the late fees and past due balance. Multiple customer service representatives addressed the issue, and I was told that the extra monies were not properly credited because I " put the payments in the wrong box '' when making online payments. In the subsequent months, I made online payments as directed by the CSRs at Citizens. Payments continued to be applied incorrectly. After multiple conversations in XX/XX/XXXX, I was assured the issue had been resolved, and all payments were properly reapplied, therefore satisfying any late fees and past due balance. After checking my online loan balance, my current past due and late fees were {$0.00}, as assured. In XX/XX/XXXX, I received a statement for my regular principal payment of {$260.00}, plus an additional late fee, despite my on-time payment in XX/XX/XXXX, and the reapplication of my past payments. Upon further investigation, Citizens had reversed all the reapplied payments, once again charging me late fees for a balance that had long since been satisfied. In XX/XX/XXXX, I called Citizens to address the issue. The representative told me he " did not see a late fee on the account, '' and instructed me to make my payment as normal. On XX/XX/XXXX, I made my payment on-time, paying the full amount due, but not the late fees, as I was assured they were not on the account, and should not have been, if Citizens had properly applied my payments to the loan. In XX/XX/XXXX, I once again received a statement with late fees. On XX/XX/XXXX, I contacted Citizens once again, and was told the late fees existed from the XX/XX/XXXX past due payment. I explained the issue once again, including the resolution that was supposed to happen in XX/XX/XXXX. The representative, and subsequently a supervisor, continued to insist the late fee was valid, and would not remove it from the account. As such, I am contacting this institution, as Citizens will not properly reconcile my account.
Company Response:
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Money was being withdrawn from the checking account unauthorized close to the amount of {$2000.00}. When this was brought to the banks attention they had us to fill out XXXX XXXX XXXX XXXX claim documents, and we were informed that the monies would be returned. We were also informed that we would hear back from the bank within XXXX XXXX XXXX XXXX days. This was back in XXXX of this year. On Tuesday XXXX XXXX, XXXX we were informed by the bank that we would have no recovery but was not given a reason for the decision that was made.
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX is advertising rates on their website they can not give to me. I am purchasing a home for {$650000.00}, putting down {$200000.00}, mortgaging {$450000.00}. I have a XXXX fico core. Their website says they can give me a rate of 3.75 %, XXXX points. When I called, the LO said he could not offer that to me because I was located in a High balance area but that he could offer me a rate of 4.25 %, XXXX points and they would offer to lower this rate by an .125 % if I would open up a checking account at a Citizens Branch and sign up for auto pay. How can a company misrepresent rates on their website?
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2017-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check onXX/XX/XXXX for {$5900.00} and waited for Citizens Bank to clear the check before using those funds for any transactions. I specifically asked them when the check would clear, they replied " tomorrow at 3 ''. I checked my account online and the funds were still pending when I asked that question. I checked and the funds were no longer pending and were now shown in my regular funds that are available on XX/XX/XXXX so I went ahead with the transaction onXX/XX/XXXX. The check for {$5900.00} was withdrawn onXX/XX/XXXX The check was " recalled by the bank '' according to the teller and I was charged with an overdraft. Even though I had waited for the check to clear before making a transaction. I would have never had made that transaction if I knew there was even a remote possibility of that check being recalled and the funds no longer being available. Now I 'm out nearly {$1900.00} from that transaction and the bank will not accept responsibility for their actions. I also just received a statement back for my overdraft with a copy of the check that is stamped " Altered/Fictitious '' ... Why was the check cleared in the first place if that 's the case? And why was it moved from pending to funds available on my online account? And why was I told it was recalled by the other bank that obviously does n't even exist?
Company Response:
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We arranged a settlement with a mortgage company through Senator XXXX XXXX and the CFPB. It was approved by a court. We did what we were supposed to do and so did the mortgage company. We received our payment in two checks and immediately deposited them through our mobile app for CITIZENS BANK. The money showed as a partial availability of {$400.00} for the two checks on Monday. The remainder would n't be available for another day. This is what we were expecting. Based on that, we made arrangements for part of the partial availability money to be paid out come Monday. The next day, Citizens Bank changed their minds and wo n't make any money available to us until XXXX XXXX. The teller that I spoke to only said they needed to verify they were going to actually get money. She said I was getting none of my money next week. She refused to put me in touch with her supervisors because it was the weekend and would " inconvenience '' them. She said she did not care that I have no food, medications, or other necessities to live without that money.
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2017-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Between XXXX XXXX and XXXX XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my XXXX XXXX and future opportunities.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2017-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A